Loan Rates

Loan Rates as of October 1, 2016

Rates and other terms are subject to change at any time without prior notice.

 Auto Rates & Recreational Farm Equipment (2009 and above models)
Term APR*
36 months- 84 months  2.99% – 12.99%
 84 months  3.99% – 13.99%

Autos, Recreational/Farm Equipment 2008-2004

Term APR*
36 months  7.60% – 17.60%
48 months  8.00% – 18.00%
60 months  8.50% – 18.00%
72 months  9.00% – 18.00%

Personal/Line of Credit/Overdraft Protection

Term APR*
 36 months ($500-$5,000)  9.90% – 17.90%
 48 months ($5,001-$15,000)  9.90% – 17.90%

Share and Certificate Secured

Term APR*
Share- Fixed Rate  4.00%
Certificate- Adjustable Rate  2.00% Above Certificate Rate

Mobile Home with Land  (Case by case on mobile home with no land)

New Mobile Home (up to 10yrs) 9.50%-16.50%
80% of factory list price
Used Mobile Home (up to 10 yrs) 9.75%- 16.75%
80% of trade-in value

Mortgage Loans and Rental Property (in house) <$50,000

Real Estate 80% of Appraisal 12 years Fixed Rate 5yr of less/ 5yr ARM
A 5.00% B 6.25% A 4.50% B 5.50%
C 7.25% D 8.25% C 6.50% D 7.50%
Land 80% of Appraisal 12 years Fixed Rate 15yrs loan over $50k
A 6.00% B 7.25% A 7.00% B 8.25%
C 8.25% D 9.25% C 9.25% D 10.25%

Home Equity Lines of Credit 

Home Equity 80% OR 90% (add .5%) Fixed Rate 5 Years or Less 7 Years
A 3.9% 3.9%
B 4.9% 5.9%
C 6.9% 7.9%
D 7.9% 8.9%
Home Equity 80% Adjustable Rate
(90% LTV add .5%) Term up to 15 years
A Prime plus 0% 3.75%
B Prime plus .50% 4.25%
C Prime plus 1% 4.75%
D Prime plus 2% 5.75%

Construction Loans (80% of appraisal)

Term 12 months Fixed Rate 80% of appraisal 
A- 6.50% C- 8.00%
B- 7.00% D- 9.00%

*APR = Annual Percentage Rate

**Rates may be lower based on individual member product and/or services utilized.

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